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government is teaching americans about financial literacy. there are 56 different federal government programs for financial literacy. what i would hope you do in your position is really analyze this and make a recommendation for congress after looking at the g a o report and tell us to get rid of or get one, but not 56 sets of administrators, offices, rules and complications and requirements that have to be fulfilled by people to actually implement financial literacy. >> i appreciate the comment and i will be glad to follow up with you and work and think about this. as we coordinate with one another that helps minimize some of the problems. we worked with the fdic on the money smart curriculum which is a terrific curriculum. we don't need to reinvent the world. we're working on a new module for seniors who face some specific issues. i am sure your office hears about from quite a bit but i would be happy to work with you and i agree with you on the thrust of your question. >> my only point is if we start another one, or another two or three and don't change those we are throwing money out the
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